Questions answered by Steven Scott Davis

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Wife died and credit line on the house was in her name. am I responsible to keep making the payments on the credit line?

Steven's answer | Answered on April 24, 2013

If the line was only in her name, you do not have a personal obligation to make the payments. If the bank has a mortgage, though, which they...

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A reaffirmation did not get filed concerning our mortgage two years ago, bankruptcy discharged, can we walk away without penalty

Steven's answer | Answered on April 18, 2013

You can walk away without any liability to the mortgage lender. This will result in a foreclosure being filed. Even though you don't owe the...

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What do I need to file in court to stop a wage garnishment?

Steven's answer | Answered on April 15, 2013

If you are being garnished, the creditor has a judgment. If you were not served, this may give you the ability to get the judgment set aside,...

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Will a collection company sue me for $1,200

Steven's answer | Answered on April 15, 2013

They certainly have the legal right to sue you if money is still owed. The amount still owed may well lead to their filing. As suggested, though,...

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I was in the hospital over 3 years ago I was told I did not owe anything, I got a bill from th hospital 3 years latter .

Steven's answer | Answered on April 09, 2013

The hospital billing office would be a good starting point to get the information you need. Also, if you were covered by insurance at the time,...

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Can a debt collector, legally, collect on a health care debt, that was sent to the wrong address by the original MEDprovider?

Steven's answer | Answered on April 09, 2013

The fact that the bill was originally sent to the wrong address does not mean that the debt is not owed. If you received the services for which...

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Recvd a summons for a credit card debt. Can the judgment garnish my pension and/or Soc Security benefits? I am on fixed income

Steven's answer | Answered on April 09, 2013

You should definitely take action, either by filing an answer to the complaint, or, perhaps, if circumstances warrant, filing some form of...

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Do state tax wage garnishments have to adhere to the same rules as credit card wage garnishment?

Steven's answer | Answered on April 04, 2013

The answer depends on your state's laws. Typically, the state does provide for different procedures for the collection of taxes. In Ohio, for...

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Only income is socicial security,66 y old cant pay 9500 line of credit at credit u.

Steven's answer | Answered on March 29, 2013

As the others have noted, the Social Security funds are not subject to being levied, but the agreement you have with the credit union may allow...

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I have a 12 year old tuition debt (not a student loan) that has been handed over to the state of Michigan. Can they collect?

Steven's answer | Answered on March 27, 2013

I would agree that the answer will depend on Michigan law. The fact that the debt is 12 years old will not impact the result. Your best solution...

Steven Scott Davis's Answers (121)

Wife died and credit line on the house was in her name. am I responsible to keep making the payments on the credit line?

A reaffirmation did not get filed concerning our mortgage two years ago, bankruptcy discharged, can we walk away without penalty

What do I need to file in court to stop a wage garnishment?

Will a collection company sue me for $1,200

I was in the hospital over 3 years ago I was told I did not owe anything, I got a bill from th hospital 3 years latter .

Can a debt collector, legally, collect on a health care debt, that was sent to the wrong address by the original MEDprovider?

Recvd a summons for a credit card debt. Can the judgment garnish my pension and/or Soc Security benefits? I am on fixed income

Do state tax wage garnishments have to adhere to the same rules as credit card wage garnishment?

Only income is socicial security,66 y old cant pay 9500 line of credit at credit u.

I have a 12 year old tuition debt (not a student loan) that has been handed over to the state of Michigan. Can they collect?